Updated February 2026

BAH Rates San Luis Obispo, CA 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the San Luis Obispo military housing area (MHA: CA392), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$3,198

$38,376/year

E-5 without Dependents

$2,679

$32,148/year

O-3 with Dependents

$4,215

$50,580/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,027	$36,324
E-2	$3,027	$36,324
E-3	$3,027	$36,324
E-4	$3,027	$36,324
E-5	$3,198	$38,376
E-6	$3,948	$47,376
E-7	$4,047	$48,564
E-8	$4,152	$49,824
E-9	$4,413	$52,956
Warrant Officer
W-1	$3,969	$47,628
W-2	$4,089	$49,068
W-3	$4,218	$50,616
W-4	$4,485	$53,820
W-5	$4,806	$57,672
Commissioned Officer (Prior Enlisted)
O-1E	$4,062	$48,744
O-2E	$4,200	$50,400
O-3E	$4,536	$54,432
Commissioned Officer
O-1	$3,291	$39,492
O-2	$3,939	$47,268
O-3	$4,215	$50,580
O-4	$4,920	$59,040
O-5	$5,430	$65,160
O-6	$5,475	$65,700
O-7	$5,520	$66,240

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,358	$28,296
E-2	$2,358	$28,296
E-3	$2,358	$28,296
E-4	$2,358	$28,296
E-5	$2,679	$32,148
E-6	$2,961	$35,532
E-7	$3,036	$36,432
E-8	$3,348	$40,176
E-9	$3,576	$42,912
Warrant Officer
W-1	$2,976	$35,712
W-2	$3,345	$40,140
W-3	$3,600	$43,200
W-4	$3,966	$47,592
W-5	$4,068	$48,816
Commissioned Officer (Prior Enlisted)
O-1E	$3,195	$38,340
O-2E	$3,525	$42,300
O-3E	$3,942	$47,304
Commissioned Officer
O-1	$2,853	$34,236
O-2	$3,144	$37,728
O-3	$3,675	$44,100
O-4	$4,047	$48,564
O-5	$4,101	$49,212
O-6	$4,197	$50,364
O-7	$4,272	$51,264

22 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the San Luis Obispo (CA392) Military Housing Area:

93401 93402 93405 93420 93422 93424 93428 93430 93432 93433 93435 93442 93444 93445 93446 93447 93449 93451 93452 93453 93461 93465

Frequently Asked Questions

What is the BAH rate for an E-5 in San Luis Obispo?

The 2026 BAH rate for an E-5 with dependents in San Luis Obispo, CA is $3,198 per month ($38,376 per year). Without dependents, the rate is $2,679 per month.

How many ZIP codes are in the San Luis Obispo MHA?

The San Luis Obispo Military Housing Area (CA392) includes 22 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all California BAH rates →

How San Luis Obispo, CA BAH compares nationally

BAH for San Luis Obispo, CA runs above the national average: $3,198/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (42nd overall, 39.7% above average).

Statewide, this ranks 14th of 26 MHAs — between San Francisco, CA ($5,127/mo, highest) and China Lake, CA ($1,563/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $759/mo (27.4%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.